Multi-Life Offers 10-19 Lives: Underwriting Parameters

In order to establish a minimum offer of $2,000 GSI coverage per employee on Multi-Life cases in which there are at least 10 insurable lives, the following parameters must be observed.

1. Demographics of the group must adhere to the following guidelines:
At least 10 insurable lives.
Occupations must fall into Berkshire's best classifications (4-6). Class 3 and below are not candidates for this offer.
Average issue age of the group cannot exceed 55.
Participant gender mix should not exceed 40% females younger than 40.

2. Retirement Protection Plus (RPP)is the only coverage available to groups in the medical market.

3. Coverage must be employer-paid.

4. The standard complement of riders and features is available with the following exceptions:
Zero day pre-existing conditions limitation is not available.
Extended mental and nervous coverage is not available.
Zero-day pre-existing and COLA are not available (except at underwriting discretion and requires prior underwriting approval).

5. Underlying LTD must be in place. If it is not in place, there must be an expressed interest in individually underwritten buy-up coverage.